Marianna Frederick Pauls is a financial advisor at Morgan Stanley in Palo Alto, CA, with 19 years of industry experience. She holds a Series 66 designation and has worked previously at Citigroup Global Markets, Merrill, and various other entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and investment research.

Charlotte Lee is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning and manages approximately $2.74 trillion in client assets.

Paul Bratrude is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera since 2006. In addition to his advisory role, he is a partner and CPA at Bratrude & Jones CPAs, Inc., where he provides accounting assistance and income tax planning and preparation. Cetera is an SEC-registered advisor that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with varied portfolio management options and oversees over $256 billion in assets under management.

Brendaliz Valenzuela is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities since 2012, including a role at JPMorgan Chase Bank, N.A. since 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Gregory Cohn is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with MassMutual Life Insurance Company and MassMutual Investors Services since 2001. Outside of his advisory role, he is a joint owner of a thoroughbred racehorse. MassMutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative annual financial planning engagements using firm-approved analytical tools and offers a range of investment and educational programs.

Ellen Nguyen is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMC Bank NA since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Steven Tran is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. His career includes multiple roles at Wells Fargo entities as well as positions at Harrisdirect LLC and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, using research and analytics to guide investment decisions within diversified portfolios.

Andrew Barrie is a financial advisor at Morgan Stanley in Pleasanton, CA, holding a Series 66 designation. He has professional experience with Morgan Stanley Private Bank and Morgan Stanley since 2026, and prior to that served five years in the US Navy. Outside of his advisory role, he has worked with ASM America and Love's Travel Stops & Country Stores Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm uses a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Joyce Tanaka is a Series 66-licensed financial advisor with nine years of industry experience. She has worked at Osaic Wealth, Inc. since 2025, following prior roles at Acord and Fong Wealth Strategies and Sourjohn-Kim Retirement Solutions. Between 2008 and 2025, she spent intervals as a homemaker. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services utilizing various portfolio construction tools and offers access to third-party money managers, managed accounts, and unified investment platforms.

Stephanie Hsu is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 2018. She focuses on creating personalized wealth management strategies that address clients' individual goals and changing market conditions, offering access to investment insights and banking solutions through Merrill and Bank of America. Stephanie works closely with clients to develop strategies in areas such as college education planning, family wealth management, personal retirement planning, socially responsible investing, women and wealth, and tax minimization. A Bay Area native born and raised in San Mateo, Stephanie graduated from Santa Clara University with a Bachelor's Degree, earning President's and Magna Cum Laude awards in Finance, Economics, and Real Estate. She holds the Personal Investment Advisor (PIA) designation. Her approach to financial advising emphasizes intentionality and purpose in portfolio recommendations, prioritizing her clients' best interests. Outside of her professional role, Stephanie engages with her community through volunteering and dedicates time to personal interests including adventure sports, camping, hiking, pottery, skiing, traveling, and yoga. She values spending time with family, friends, and clients.

Luke Lee is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at TD Ameritrade and Charles Schwab Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment guidance through a multi-asset model portfolio approach and centralized operational infrastructure.

Steven Varlas is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2011. Outside of finance, he has been involved with NAALI FIT, LLC, a fitness-related business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage and investment management services.

Roland Bergman is a CFP® professional with 25 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2009. He holds Series 63 and Series 65 licenses and has business activities that include investment advisory and insurance/benefits services through Gateway Financial Advisors, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services via a network of independent Financial Professionals, employing a variety of portfolio management approaches and platform arrangements.

Akgaukhar Nuskabayeva is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC, Thrivent Financial, and VTB Capital. Outside of finance, she is an owner and partner of a home kitchen bakery called Bread For Joy LLP. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party databases to support diversified portfolio strategies.

Eric Schreiber is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Strategic Advisers since 2002, Fidelity Brokerage Services LLC since 2001, and Fidelity Personal and Workplace Advisors since 2018. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, model portfolios, and multi-manager fund structures.

Nancy Knight is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. She worked at Edward Jones from 2006 to 2012 before joining LPL Financial, where she has been since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with tools like machine learning for operational and research purposes.

Laura Olson is a financial advisor at Ameriprise with 17 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior roles include positions at Edward Jones, Thrivent Investment Management, Concorde Asset Management, and Ameriprise Financial Services. Outside of her advisory work, Olson is engaged as a pet sitter through Rover. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Feng Zhao is a Series 66-credentialed financial advisor with Charles Schwab & Co., Inc. based in San Mateo, CA. He joined the firm in 2025 and has prior experience working at Fortinet Inc. and Yodlee Inc. Outside of finance, Feng spent two years engaged in extended travel. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset investment approach supported by research and due diligence on alternative investments.

Javier Perez is a ChFC® and Series 63 credentialed advisor with 42 years of industry experience. He is currently with OSAIC Wealth, Inc., having joined in 2024, and previously worked at Massachusetts Mutual Life Insurance Company and Ameritas Life Insurance Corp., among others. Perez also serves as an associate director offering legal membership services with Legal Shield. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party solutions to construct portfolios that include a variety of investment types and management options.

Nicole Granato is a Series 66 licensed financial advisor with 17 years of industry experience, currently practicing at LPL Financial since 2009. She is based in San Carlos, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced research and operational tools.